Senior Underwriting Manager - medizinische Risikoprüfung PKV (m/w/d)

At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.   The team   We are the Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business. The Risk team is primarily based in London with colleagues in Atlanta, US and Stockholm, Sweden too and covers Risk Analytics, Decision Science and Underwriting. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are looking for an Underwriter to join us on this journey.    Who are you?   You’re someone who’s detail-oriented, energised by challenge and motivated by purpose. You thrive in an environment where you can support a team, grow through hands-on experience, and be part of something with purpose - helping small businesses thrive. Most importantly, you're passionate about making a real impact through finance that serves communities, not just balance sheets. This is an exciting time to join Liberis in Atlanta. We’re scaling fast in the North American market, bringing our embedded finance solutions to more partners and small businesses than ever before. Reporting to the Senior Underwriting Manager in Atlanta, you’ll help shape the way we assess and manage risk as we expand, bringing a fresh problem-solving perspective to the table and strengthening the foundations of our US operation.   What you’ll be doing As an Underwriter, you’ll be supporting the Underwriting team in their day-to-day activities, exercising the fundamentals of underwriting while helping ensure we deliver fast, fair, and responsible finance to small businesses. * Assisting in the review and processing of new and repeat funding applications * Gathering and preparing financial and business information for assessment * Liaising directly with customers to request additional information or clarify data * Ensuring application data is complete, accurate, and in line with internal policies * Helping maintain underwriting records and documentation * Learning how to evaluate risk, underwrite deals, and make balanced decisions over time * Supporting process improvements by sharing observations and suggestions * Ad-hoc analytical work to support decision-making stakeholders   What we think you’ll need The best Underwriters can think strategically with the limited amount of information that is available when making a decision. Our team currently consists of several bright and talented individuals, and our next hire will further strengthen the team by contributing not only to underwriting deals but also to broader risk analysis capabilities. * 2-4 years of experience in underwriting, ideally in small-business finance or a similar lending environment * Confidence making independent decisions and explaining them clearly to colleagues and customers * Sharp attention to detail with the ability to stay organized while turning complex data into clear insights * Excellent written and verbal communication skills * Comfort working in a fast-growing, evolving business where priorities can shift quickly * (Preferred) Some degree of analytical training, with exposure to SQL and Excel   What happens next? Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!   Our hybrid approach   Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.    #LI-CG1

ABOUT BLENHEIM CHALCOT  Blenheim Chalcot India is part of Blenheim Chalcot, a global venture builder headquartered in London. With over 26 years of innovation, we've been at the forefront of creating some of the most groundbreaking GenAI-enabled companies. Our ventures lead the charge in digital disruption across a spectrum of industries, from FinTech to EdTech, GovTech to Media, and beyond. Our global presence spans the US, Europe, and Southeast Asia, with a portfolio that employs over 3,000 individuals, manages assets exceeding £1.8 billion, and boasts total portfolio sales of over £500 million.    ABOUT LIBERIS Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning.    The Role We’re looking for an experienced Underwriter based in Mumbai who thrives on challenges, values autonomy, and is passionate about finance that supports small businesses not just turning a profit. You’ll be responsible for underwriting new finance proposals that protect and deliver value to Liberis, while enhancing our processes through your expertise. Reporting to the Senior Underwriting Manager, you’ll combine technical and analytical skills to ensure data-driven decisions while staying within the organization's risk appetite. What you’ll be doing * Underwriting new and repeat business requests, evaluating multiple sources of data to make sound, rational decisions. * Engaging directly with prospective customers to gather additional information and communicate approve/decline decisions clearly. * Acting as a referral point for internal stakeholders, ensuring correct policies and procedures are consistently applied. * Driving improvements in underwriting processes to maintain the right balance between customer experience and risk protection. * Leveraging SQL, Python, GCP, and DBT to analyze financial data, automate workflows, and produce actionable insights. * Using advanced Excel skills to model scenarios, interpret management accounts, cash flow statements, and assess credit risk. What we think you’ll need * 2+ years of experience in underwriting, preferably within small business finance. * Strong analytical and problem-solving skills, with meticulous attention to detail. * Deep understanding of financial statements, cash flow, and management accounts to assess affordability, sustainability, and credit risk. * Proficiency in SQL, Python, Excel, GCP, and DBT for financial and operational analysis. * Ability to make confident decisions and clearly articulate reasoning to colleagues and clients. * Excellent verbal and written communication skills, capable of conveying complex findings logically and concisely. * Ability to adapt and refocus in a fast-paced, growing environment. Qualifications * Bachelor’s degree in Finance, Economics, or a quantitative field; Master’s degree is a plus. * Demonstrable experience in data analytics and process improvement within underwriting. Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.